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Estimate the maximum property price you qualify for under typical bank DSR limits.
Max property price
RM 987,911
Max monthly installment
RM 4,400
Max loan amount
RM 889,120
Total interest over tenure
RM 694,880
Outstanding balance
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Explore →Malaysian banks size your loan using the Debt Service Ratio — the share of net income they allow you to commit to all monthly debts. Once we know the maximum installment you can carry, we solve a standard reducing-balance amortization in reverse to recover the principal that produces it.
MaxInstallment = NetMonthlyIncome × DSR − ExistingCommitments
DSR typically 60–70%. Commitments include car loans, credit-card minimums and other personal financing.
r = AnnualRate / 12 / 100 n = TenureYears × 12 MaxLoan = MaxInstallment × (1 − (1 + r)^−n) / r
Standard present-value of an annuity formula (reducing-balance).
MaxPropertyPrice = MaxLoan / MarginOfFinance
Margin of finance is the bank's loan-to-value, typically 70–90%.
Each month: Interest_m = Balance × r Principal_m = MonthlyPayment − Interest_m Balance ← Balance − Principal_m